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Market Price

467.88 

-0.78 -0.2%

as of Aug 20 '19

52 Week Range:

356.12 509.99


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps various amounts collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company was founded in 1972 and is headquartered in Southfield, Michigan.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 11.01
15.99
17.38
19.25
25.79
30.07
36.34
46.26
58.64
70.00
103.48
growth rate 45.2% 8.7% 10.8% 34.0% 16.6% 20.9% 27.3% 26.8% 19.4% 47.8%
Earnings BIT 107.01
229.04
253.50
296.42
343.10
398.20
420.90
474.50
531.20
583.80
growth rate 114.0% 10.7% 16.9% 15.8% 16.1% 5.7% 12.7% 12.0% 9.9%
Avg.PE 6.34
9.13
11.07
11.64
11.85
12.33
14.48
13.63
11.77
13.01
14.86
growth rate 44.0% 21.3% 5.2% 1.8% 4.1% 17.4% -5.9% -13.7% 10.5% 14.2%
ROA 6.45
12.63
13.50
12.12
11.29
11.08
10.20
9.71
8.75
10.22
10.23
growth rate 95.8% 6.9% -10.2% -6.9% -1.9% -7.9% -4.8% -9.9% 16.8% 0.1%
ROE 22.27
34.99
34.97
37.07
37.82
36.90
36.66
36.77
31.67
34.71
32.55
growth rate 57.1% -0.1% 6.0% 2.0% -2.4% -0.7% 0.3% -13.9% 9.6% -6.2%
ROIC 10.39
16.82
18.67
16.63
15.46
14.65
13.15
12.72
11.61
13.52
13.30
growth rate 61.9% 11.0% -10.9% -7.0% -5.2% -10.2% -3.3% -8.7% 16.5% -1.6%
Cur. Ratio 0.59
0.50
0.34
0.79
19.67
20.25
23.86
26.01
28.99
32.50
33.00
growth rate -15.3% -32.0% 132.4% 2,389.9% 3.0% 17.8% 9.0% 11.5% 12.1% 1.5%
Quick Ratio 0.04
0.03
0.02
0.04
18.80
19.31
22.49
24.70
27.43
30.81
31.37
growth rate -25.0% -33.3% 100.0% 46,900.0% 2.7% 16.5% 9.8% 11.1% 12.3% 1.8%
Leverage 3.37
2.36
2.83
3.26
3.43
3.24
3.97
3.65
3.59
3.25
3.13
growth rate -30.0% 19.9% 15.2% 5.2% -5.5% 22.5% -8.1% -1.6% -9.5% -3.7%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 1,017.92
1,050.01
1,218.01
1,598.60
1,933.50
2,212.80
2,514.30
3,111.50
3,888.90
4,621.80
5,771.20
growth rate 3.2% 16.0% 31.3% 21.0% 14.5% 13.6% 23.8% 25.0% 18.9% 24.9%
Acct.Payable 220.70
260.50
290.90
74.50
91.40
110.10
116.60
141.50
growth rate 18.0% 11.7% -74.4% 22.7% 20.5% 5.9% 21.4%
Cur.Assets 86.80
87.70
71.10
1,708.80
2,081.00
2,381.90
2,678.30
3,285.20
4,128.20
4,885.60
6,100.50
growth rate 1.0% -18.9% 2,303.4% 21.8% 14.5% 12.4% 22.7% 25.7% 18.4% 24.9%
Total Assets 1,139.40
1,176.20
1,343.50
1,758.60
2,133.20
2,433.40
2,785.40
3,372.60
4,218.00
4,985.60
6,237.40
growth rate 3.2% 14.2% 30.9% 21.3% 14.1% 14.5% 21.1% 25.1% 18.2% 25.1%
Cash 3.20
2.20
3.80
110.20
147.50
169.10
6.40
6.30
14.60
8.20
25.70
growth rate -31.3% 72.7% 2,800.0% 33.9% 14.6% -96.2% -1.6% 131.8% -43.8% 213.4%
Inventory 0.00 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 146.10
174.60
212.00
1,218.60
1,511.30
1,683.30
117.30
127.80
167.50
191.60
189.50
growth rate 19.5% 21.4% 474.8% 24.0% 11.4% -93.0% 9.0% 31.1% 14.4% -1.1%
Liabilities 801.60
678.00
869.00
1,218.60
1,511.30
1,683.30
2,083.20
2,444.50
3,044.30
3,449.80
4,246.50
growth rate -15.4% 28.2% 40.2% 24.0% 11.4% 23.8% 17.3% 24.5% 13.3% 23.1%
LT Debt 580.40
409.70
549.00
954.00
1,207.30
1,289.60
1,752.50
2,067.80
2,603.70
3,070.80
3,820.30
growth rate -29.4% 34.0% 73.8% 26.6% 6.8% 35.9% 18.0% 25.9% 17.9% 24.4%
Equity 337.80
498.20
474.50
540.00
621.90
750.10
702.20
928.10
1,173.70
1,535.80
1,990.90
growth rate 47.5% -4.8% 13.8% 15.2% 20.6% -6.4% 32.2% 26.5% 30.9% 29.6%
Common Shares 31.00
32.00
30.00
27.00
26.00
24.00
22.00
21.00
20.00
20.00
20.00
growth rate 3.2% -6.3% -10.0% -3.7% -7.7% -8.3% -4.6% -4.8% 0.0% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 6.30
2.90
3.50
6.30
8.80
5.60
4.30
4.00
5.50
8.40
25.10
growth rate -54.0% 20.7% 80.0% 39.7% -36.4% -23.2% -7.0% 37.5% 52.7% 198.8%
Cash Dividends 0.00 0.00 0.00 0.00 0.00
growth rate
Cash From OA 155.50
160.40
200.70
275.70
308.60
325.70
365.20
404.20
507.20
566.00
703.90
growth rate 3.2% 25.1% 37.4% 11.9% 5.5% 12.1% 10.7% 25.5% 11.6% 24.4%
FCF per Share 4.79
4.73
6.58
9.13
11.71
12.54
16.04
18.66
22.50
27.81
32.24
growth rate -1.3% 39.1% 38.8% 28.3% 7.1% 27.9% 16.3% 20.6% 23.6% 15.9%
Sale Purchase of Stock -127.90
-151.90
-134.60
0.60
-86.50
-121.70
-123.50
growth rate 0.0% 0.0% 100.0% -100.0% 0.0% 0.0%
FCF 149.00
150.00
197.00
269.00
300.00
320.00
360.00
400.00
501.00
558.00
678.00
growth rate 0.7% 31.3% 36.6% 11.5% 6.7% 12.5% 11.1% 25.3% 11.4% 21.5%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 312.20
380.70
442.10
525.20
609.20
682.10
654.00
707.80
781.30
860.50
1,072.30
growth rate 21.9% 16.1% 18.8% 16.0% 12.0% -4.1% 8.2% 10.4% 10.1% 24.6%
Op.Income 107.00
229.00
253.50
188.00
219.70
253.10
442.70
474.50
531.20
583.80
755.10
growth rate 114.0% 10.7% -25.8% 16.9% 15.2% 74.9% 7.2% 12.0% 9.9% 29.3%
IBT 107.00
229.00
253.50
296.40
343.10
398.20
420.90
474.50
531.20
583.80
755.10
growth rate 114.0% 10.7% 16.9% 15.8% 16.1% 5.7% 12.7% 12.0% 9.9% 29.3%
Net Income 67.20
146.30
170.10
188.00
219.70
253.10
266.20
299.70
332.80
470.20
574.00
growth rate 117.7% 16.3% 10.5% 16.9% 15.2% 5.2% 12.6% 11.0% 41.3% 22.1%
EPS 2.16
4.62
5.67
7.07
8.58
10.54
11.92
14.28
16.31
24.04
29.39
growth rate 113.9% 22.7% 24.7% 21.4% 22.8% 13.1% 19.8% 14.2% 47.4% 22.3%
Gross Profit 312.20
380.70
442.10
525.20
609.20
682.10
614.00
674.60
755.30
837.80
1,046.30
growth rate 21.9% 16.1% 18.8% 16.0% 12.0% -10.0% 9.9% 12.0% 10.9% 24.9%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 5,370.00
5,577.80
5,771.20
6,151.20
6,405.80
growth rate 3.9% 3.5% 6.6% 4.1%
Acct.Payable 128.30
123.00
141.50
139.70
152.20
growth rate -4.1% 15.0% -1.3% 9.0%
Cur.Assets 5,763.70
6,121.10
6,100.50
6,610.40
6,754.30
growth rate 6.2% -0.3% 8.4% 2.2%
Total Assets 5,874.30
6,244.10
6,237.40
6,749.90
6,908.50
growth rate 6.3% -0.1% 8.2% 2.4%
Cash 55.70
195.70
25.70
41.30
19.70
growth rate 251.4% -86.9% 60.7% -52.3%
Cur.Liabilities 172.70
168.10
189.50
213.40
203.60
growth rate -2.7% 12.7% 12.6% -4.6%
Liabilities 4,064.70
4,280.80
4,246.50
4,701.00
4,693.20
growth rate 5.3% -0.8% 10.7% -0.2%
LT Debt 3,665.80
3,876.90
3,820.30
4,231.30
4,222.60
growth rate 5.8% -1.5% 10.8% -0.2%
Equity 1,809.60
1,963.30
1,990.90
2,048.90
2,215.30
growth rate 8.5% 1.4% 2.9% 8.1%
Common Shares 0.20
0.20
0.20
0.20
0.20
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 4.00
16.90
3.00
4.70
11.60
growth rate 322.5% -82.3% 56.7% 146.8%
Cash Dividends
growth rate
Cash From OA 102.60
191.00
202.90
229.70
170.90
growth rate 86.2% 6.2% 13.2% -25.6%
Sale Purchase of Stock
growth rate
FCF 98.60
174.10
199.90
225.00
159.30
growth rate 76.6% 14.8% 12.6% -29.2%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 274.90
276.90
282.80
294.30
305.40
growth rate 0.7% 2.1% 4.1% 3.8%
Op.Income 198.00
198.40
201.00
206.30
215.30
growth rate 0.2% 1.3% 2.6% 4.4%
IBT 198.00
198.40
201.00
206.30
215.30
growth rate 0.2% 1.3% 2.6% 4.4%
Net Income 151.00
151.00
151.90
164.40
164.40
growth rate 0.0% 0.6% 8.2% 0.0%
EPS
growth rate
Gross Profit 267.60
269.90
276.30
287.70
297.10
growth rate 0.9% 2.4% 4.1% 3.3%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A+ (99.02)

YOY Growth Grade:

A (87.91)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 15.62 14.69 13.59
EPS / Growth 15.5% 31.85 16.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 23.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 15.5% 18.5% 18.5%
Future PE 13.59 22.10 22.10
Future EPS 134.66 174.46 174.46
Value Price
MOS %
452.34
-3.3%
952.90
103.7%
952.90
103.7%
MOS Price 226.17 476.45 476.45
IRT 7.54 7.01 7.01

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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